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Case Study: Constant battle

Clive Budd wants the best for his family, but fights a constant battle to stay ahead. 'We are being attacked from all sides. Property taxes, National Insurance, education - the government seems determined to chip away at our hard-earned income,' he says.

Clive, 35, works for an investment bank. His wife, Jo, 33, stays at their home in Hockley, Essex, to look after their children - Lauren, 8, and Holly, 7.

'We are just an ordinary family,' says Clive. 'I pay higher-rate tax, but I am not super-rich. But we are already putting any spare money into savings and investment schemes to prepare for the future. We would like the girls to go to university, but we may also need to tap into our savings to fund our retirement.'